Laurie Hunsicker — Compass Aim — Analyst

<strong>Laurie Hunsicker</strong> — <em>Compass Aim — Analyst</em>

Hi, good early morning, Rob. I recently wished to get back to margin. Once again, i understand you have talked a great deal about this, but directionally, once we glance at simply the accretion earnings piece and I also’m thinking about reported margin. I simply like to be sure that We have this apples-to-apples that are right because accretion earnings had been so big this quarter. Therefore if we are taking a look at it in the years ahead. Your reported margin simply maintaining consistent with your responses on the core margin, you reported margin most likely will probably monitor in that the 3.45%. Therefore like high 3.40%s, 3.48%, 3.49% range, have always been we doing that the way that is right?

Robert Michael GormanExecutive Vice President and Chief Financial Officer

Yes, I started using it 3.45% to 3.50per cent based on core, that is correct.

Laurie HunsickerCompass Aim — Analyst

Okay, perfect. I recently desire to be sure that right was got by me. Ok and then just a couple of things on expenses here, simply particularly three line things looked outsized, and I also wondered in the event that you may help us think of that around your remarks, the technology, the expert as well as the advertising. Had been there any items that are one-time drove those greater?

Robert Michael GormanExecutive Vice President and Chief Financial Officer

Not necessarily, except that — in addition to advertising uptick, we’d some credits within the 3rd quarter, which would not recur when you look at the fourth quarter. And so the quarter that is fourth a bit a lot more of a run rate basis for advertising. With regards to technology and processing, we are just starting to look at effect of some of the initiatives that we set up through the 12 months. As an example Zelle adds to processing expenses, etc. Generally there can be an uptick pertaining to several of those things that started initially to come through within the quarter that is fourth.

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